IBPS Clerk Career Growth Exam

IBPS Clerk Career Growth Exam
IBPS Clerk Career Growth Exam

IBPS Clerk Career growth exam plays an essential role after joining as a Clerk. An IBPS Clerk can easily become an Officer within 2-4 years. Job Profile, Posting policy of IBPS Clerk are also available in the below section. In order to get the correct information, you may read this article post. Each and every job aspirant who wants to become an Officer must know more.

IBPS Clerk Career Growth / IBPS Clerk Promotion

  • Firstly, it is to clarify that the career growth in the banking sector is very high. An IBPS Clerk may be promoted as Officer within 2-4 years. Bank conducts the departmental examination in this regard every alternate year. 
  • Secondly, a bank clerk may apply for this departmental examination. This examination is designed as a written and an interview.  Applicants have to qualify this to become Trainee Officer (TO). Hence, the minimum qualifying service for this examination is two years. In other words, a Clerk can only apply for the TO exam after two years.
  • Further, the period of probation of TO is two years. They will upgrade as Middle Management Grade Scale-II (MMGS-II) cadre. On completion of the probation period successfully, he or she will be promoted as MMGS-I. 
  • On completion of 06 years of service, a Clerk will also be promoted as Junior Manager Grade Scale-I (JMGS-I). Therefore, there is no major difference in the salary between JMGS-I and PO.
  • IBPS Clerk has good opportunity for career growth along with the job. The job of IBPS Clerk is an office job that provides various facilities. In other words, the quick career growth is based on qualification and quality.
  • Mostly, there are three types of career growth in IBPS Clerk. Firstly, he is able to participate in a written examination for Trainee Officer. Secondly, experience-based career growth is also available for IBPS Clerk. Thirdly, there is an opportunity as seniority-based career growth.
  • Everyone knows that job of a Bank Clerk is reputed and popular in the Indian society. A Bank employee deserve various kind of respects in the bank and society also. This fame inspires applicants for choosing a banking job. Further, a bank employee has the opportunity for helping the people.

IBPS Clerk to PO Exam Pattern / PO Departmental Exam Pattern

  • It is very important to know about the exam pattern of this exam. Further, IBPS Clerk Career Growth Exam is very popular in the banking sector. Further, IBPS Clerk Career Growth Exam is the key. Moreover, questions from the following topics ask in this examination:-    
  1.  General Administration.
  2. Management.
  3. Banking.
  4. Practical Problems (case studies).
  5. Knowledge of the Computer.
  6. Interview. 
  • In this scenario, a question raises frequently that “how difficult it is”. The answer to this question is “you can qualify it”. In other words, one can easily become an Officer following some effective approaches. Therefore, it is true that the syllabus of this exam is different from direct recruitment.
  • Further, it is a reality that you can not study properly during working hours. Therefore, you have to manage it according to you. 3-5 hours study in the working days and 10-12 hours in off days is enough. In other words, You can easily manage 1-2 hours study in the evening and 3-4 hours in the early morning. Further, this is essential as per the requirement of this examination. Further, you may follow these tips to concentrate on study.  Therefore, this schedule is not too difficult for a Bank Clerk in the initial years of service. Moreover, this website may help you to find more valuable articles.
  • Banking, General Administration, and Practical Problems are the important topics. Hence, there is no set pattern of this promotional exam. Generally, the following syllabus follows by all the banks.

IBPS Clerk to PO Syllabus

  • RBI loan policy and loan documentation covering SLR, CRR, exposure norms, loan system. Capital market exposure, loans to directors and other misc policy issues. Stamp duty, limitations, securities, charges on securities, pledge, mortgage, assignment.
  • Priority sector lending issues, targets, weaker section, minority communities. Collateral security rules, education loans, MSE. National equity fund, Govt sponsored schemes, agriculture lending.
  • Non-performing advances, concepts, SARFAESI Act, DRT Act, provisioning. Lok Adalat, Willful defaulters, Securitization companies.
  • FOREX operations including basics of FOREX, exchange rates. FC deposit accounts, expert credit, gold card, export refinance, imports.
  • Electronic payment system,  such as RTGS, NEFT, ECS, MTSS, cheques, ATMs.
  • Financial awareness, the latest banking including Basel-3, Basel-2, risk management. Further, the dividend payment, money market, CD, CP, NCD, LAF, WMA. Securitization, factoring, narrow banking, universal banking, Govt securities, derivatives, options, ALM, RTI.
  • Financial Statement Analysis, costumers and their issues, banker-customer, lien. Set off, garnishee and attachment order. KYC, Ombudsman, banknotes, consumer protections, nomination. Fraud reporting, TDS, Locker, Inoperative accounts, pension, PPF, accounts for minor. Partnership, companies, trust, LLP, HUF.
  • Negotiable instrument Act, PN, BoE, cheque, cheque crossing endorsement. Cheque payment, cheque collection, material alteration, cheque dishonour.
  • Schemes and circulars of the respective bank (applicant belongs to). Appro 10-15 questions will ask from this section.


The following topics belong to the Banking section, according to the previous exams. Hence, this is the complete syllabus on the following topics:-

  1. Banking Regulation Act.
  2. Negotiable Instrument Act.
  3. Interest leakage, high yielding deposit and high yielding loans.
  4. Balance sheet and Profit and Loss analysis, Margin analysis, projection of increase in working funds. Deposit mix, cost of deposit, the yield on loans and investments.
  5. Assessment of business potential for diversified lending. Identification of Borrower, Kisan credit card, micro-finance.
  6. Branch profitability, identification of SWOT of the bank and branches. Break-even analysis of branch.
  7. Prudential norms, CRAR, IRAC, Credit risk exposure norms.
  8. Practical banking scenario, modern trends in banking.
  9. Internal audit and internal check.
  10. Tax matters, service tax, income tax, preparation of returns and audit statement.
  11. Role of RBI and NABARD.
  12. Disposal of profile.
  13. Allocable surplus funds.

General Administration

The following topics come from the general administration section. Therefore, applicants have to prepare these topics for this exam:-

  1. Administration and Management.
  2. Office administration and manual of office procedures.
  3. Three-tier schedule, the role of apex and central banks. This is for the development and successful functioning of primary credit societies and banks.
  4. Budgeting and budgetary control.


This section is highly required for the posts of Manager and an Officer. Further, the management is the primary task of a  Manager and an Officer. Moreover, the bank wants to evaluate your ability to handle the work pressure and tasks.

Further, this section covers the following topics:-

  • Leadership and supervision.
  • Style and functions of a leader.
  • Communication skills.
  • Asset and liability management, investment management and CAMELS rating.
  • Team building, motivation, time and stress management.
  • Liquidity management, current ratio method, acid test ratio. Management of CRR, NPA, SLR.
  • Risk management, identification controlling risk. Further, Risk exposure analysis, risk immunization strategy.
  • Cash management, fund management in co-operative banks. Moreover, diversification of loan portfolio and recovery management.
  • Management of NPA and Securitization Act.
  • Finally, customer relationship management, KYC and counter manners.

Knowledge of the Computer

Generally, all the banks and branches have already been computerized. In this connection, good computer knowledge is essential for each employee. In other words, knowledge of the computer is highly recommended for a Manager and an Officer. Further, a test in this regard has designed by all the banks. Finally, the following topics will cover in this section:-

  • Internet banking.
  • Mobile banking.
  • M S Office.
  • email.
  • Internet and Intranet.

Interview for IBPS Clerk Career Growth Exam

Generally, an interview is the final stage of every selection procedure. Therefore, the interview consists of a conclusion of the entire syllabus. All the questions are designed in view of the banking sector. Practical problems or case study plays an important role in this section. All updates are also available on this official website.


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